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Mutatio Mortgages Step 1

We take away the stress

It can be quite a challenge for the self-employed to get a mortgage as you’ll need to prove you have a reliable income. However, the team at Mutatio can help you prove to a mortgage lender that you have a reliable income.

Mutatio Mortgages Step 2

We do all the hard work

If you’re self-employed and looking for a mortgage, the same range of mortgages as everybody else are available to you. and you’ll need to pass the lender’s affordability tests in the same way as any other borrower. However, self-employed people are required to provide far more evidence of their income than other borrowers. We can help you with this every step of the way.

Mutatio Mortgages Step 3

You get the keys!

Mutatio want the experience of buying a home to be a positive experience. Our team are here to provide a personal service that makes you feel good about moving in to your new home. We want to take away all the hurdles and simply make it easier for you to quickly get the key to your new home.

Self Employed Mortgages with Mutatio.

To prove your income when you apply for a self-employed mortgage, you will need to provide:

Two or more years’ certified accounts
SA302 forms or a tax year overview (from HMRC) for the past two or three years
Evidence of upcoming contracts (if you’re a contractor)
Evidence of dividend payments or retained profits (if you’re a company director)
Lenders also prefer self-employed mortgage applicants to provide accounts that have been prepared by a qualified, chartered accountant; that way they can be sure of your reliability. It’s likely that they will focus on the average profit you’ve earned over the past few years.

If you only have accounts for one year or even less, you may find it a challenge to convince a lender that you can afford to repay a mortgage – but, again, it’s not impossible. Having evidence that you’ve got regular work or providing proof of future commissions may help.

Your home/property may be repossessed if you do not keep up with your mortgage repayments.

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